Miami County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.05, -84.23.
Assembled 2026-10-06. Read the brief.
- 62nd pct · 1,156th of 3,063 US counties · median $234,566
- 77th pct · 21st of 88 Ohio counties · median $219,740
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
- 48th pct · 1,584th of 3,063 US counties · median +2.9%
- 21st pct · 69th of 88 Ohio counties · median +4.2%
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
- 38th pct · 860th of 1,399 US counties · median $1,496
- 56th pct · 23rd of 51 Ohio counties · median $1,327
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
- 81st pct · 592nd of 3,221 US counties · median 8,232
- 70th pct · 27th of 88 Ohio counties · median 20,657
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
- 65th pct · 1,126th of 3,221 US counties · median $1,039
- 58th pct · 37th of 88 Ohio counties · median $1,081
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
- 58th pct · 1,274th of 3,063 US counties · median 4.3
- 79th pct · 19th of 88 Ohio counties · median 3.7
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $271,489 (Aug 2026), +2.8% over one year, +30.9% over five
- 62nd pct · 1,156th of 3,063 US counties · median $234,566
- 77th pct · 21st of 88 Ohio counties · median $219,740
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Miami County, OH | $271,489 · +2.8% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Typical rent $1,373/mo (Aug 2026), +0.9% over one year; price-to-rent 16.5
- 38th pct · 860th of 1,399 US counties · median $1,496
- 56th pct · 23rd of 51 Ohio counties · median $1,327
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Miami County, OH | $1,373/mo · +0.9% 1-yr |
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $1,486 a month on $271,489 at 7.28%, against an average weekly wage worth $4,832 a month: 30.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $271,489 × 80% = $217,191, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,486/mo principal and interest
- wage share = payment / (avg weekly wage $1,115 × 52 / 12 = $4,832) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $271,489 / ($1,115 × 52) = 4.7
- price-to-rent = $271,489 / ($1,373 × 12) = 16.5
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
41,175 jobs at 2,578 employers (2026 Q1); -0.2% jobs and +2.4% average weekly wage over the year
- 81st pct · 592nd of 3,221 US counties · median 8,232
- 70th pct · 27th of 88 Ohio counties · median 20,657
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Miami County, OH | 41,175 jobs · $1,115/wk · -0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 9,772 | $1,399 | 2.95 | -2.3% |
| Health care and social assistance | 4,698 | $1,134 | 0.76 | -0.8% |
| Retail trade | 4,066 | $711 | 1.01 | -2.7% |
| Accommodation and food services | 3,901 | $387 | 1.05 | +3.4% |
| Wholesale trade | 2,703 | $1,379 | 1.71 | +2.7% |
| Administrative and waste services | 2,004 | $738 | 0.86 | +2.3% |
| Other services | 1,261 | $709 | 1.02 | -5.8% |
| Professional and technical services | 1,125 | $1,672 | 0.40 | -3.5% |
| Finance and insurance | 627 | $1,734 | 0.37 | -7.0% |
| Management of companies | 533 | $2,136 | 0.77 | +0.0% |
| Educational services | 292 | $777 | 0.33 | +0.0% |
| Real estate and rental | 262 | $919 | 0.42 | +12.9% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
No drought class at this point (USDM covers the United States only)
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
47 gauges · 0 flooding · 7 with quality panels averaging 100 % · 12 stale
Sites found: 47, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| Great Miami River at Troy OH | flow 476.0 ft³/s · quality 100 % (1) | 4 km |
| Great Miami River at Piqua OH | flow 397.0 ft³/s | 11 km |
| Stillwater River at Pleasant Hill OH | flow 256.0 ft³/s · quality 100 % (1) | 11 km |
| Loramie Creek at Lockington OH | flow 138.0 ft³/s | 18 km |
| Greenville Creek near Bradford OH | flow 127.0 ft³/s | 18 km |
| Great Miami River at Taylorsville OH | flow 1,130 ft³/s | 21 km |
| Stillwater River at Englewood OH | flow 492.0 ft³/s | 21 km |
| Great Miami River at Sidney OH | flow 252.0 ft³/s | 27 km |
| Mad River at State Route 235 near Fairborn OH | flow 937.0 ft³/s · STALE | 28 km |
| Mad River near Dayton OH | flow 431.0 ft³/s | 31 km |
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
64 wells in 2 named aquifers: Silurian-Devonian aquifers, Sand and gravel aquifers (glaciated regions)
Sites found: 64, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| USGS-395848084085500 | depth 9.33 ft · 2005-11-22 | 11 km |
| Sand and gravel aquifers (glaciated regions) | depth 10.3 ft · 2026-10-05 | 11 km |
| USGS-401122084143400 | depth 5.34 ft · 2026-10-05 | 15 km |
| USGS-395218084100801 | depth 9.96 ft · 2006-09-29 | 21 km |
| Sand and gravel aquifers (glaciated regions) | depth 27.7 ft · 2026-09-02 | 21 km |
| USGS-395244084011901 | depth 15.2 ft · 2006-09-29 | 26 km |
| Silurian-Devonian aquifers | depth 57.2 ft · 2026-10-05 | 26 km |
| USGS-401712084103500 | depth 55.6 ft · 1993-05-07 | 26 km |
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$2.3 bn in deposits at 30 offices of 14 banks (SOD June 2026); HHI 1,290, moderately concentrated. $104.4 m federal obligations in FY2026 (contracts $75.5 m, grants $28.6 m), $2,535 per covered job
| Item | Value | Distance |
|---|---|---|
| Fifth Third Bank, National Association | $621.0 m · 26.6% share · 5 offices | |
| JPMorgan Chase Bank, National Association | $259.0 m · 11.1% share · 3 offices | |
| PNC Bank, National Association | $257.3 m · 11.0% share · 1 office | |
| Miami, OH | $104.4 m FY2026 · $2,535/job | |
| MULTIPLE RECIPIENTS | $666.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Fifth Third Bank, National Association | $621,017,000 | 26.6% | 5 |
| JPMorgan Chase Bank, National Association | $259,022,000 | 11.1% | 3 |
| PNC Bank, National Association | $257,269,000 | 11.0% | 1 |
| U.S. Bank National Association | $241,764,000 | 10.4% | 2 |
| The Park National Bank | $237,162,000 | 10.2% | 3 |
| First Financial Bank | $167,439,000 | 7.2% | 1 |
| The Huntington National Bank | $90,866,000 | 3.9% | 1 |
| First Bank Richmond | $84,081,000 | 3.6% | 3 |
| Greenville National Bank | $72,694,000 | 3.1% | 2 |
| Minster Bank | $72,091,000 | 3.1% | 1 |
Deposit concentration is 1,290 across 14 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 14 banks with deposits in the county = 26.6² + 11.1² + 11.0² + … (11 more) = 1,290
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $586,961,265 |
| Department of Veterans Affairs | $78,071,808 |
| Department of Defense | $72,400,358 |
| Department of Health and Human Services | $17,709,353 |
| Department of Housing and Urban Development | $11,568,508 |
| Department of Transportation | $9,681,475 |
| Department of Education | $4,505,023 |
| Department of Agriculture | $2,636,557 |
| Environmental Protection Agency | $2,490,399 |
| Railroad Retirement Board | $1,501,273 |
| Federal Communications Commission | $433,443 |
| National Aeronautics and Space Administration | $178,048 |
That is $2,535 per covered job, against 41,175 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $104.4 m / 41,175 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $2,535
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 12.28 | 2026-10-04 | -0.1% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.60 | 2026-10-05 | +0.1% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -88,576.00 | 2026-07-01 | -24.4% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Miami County, OH: 6 findings, 1 at a watch level and 5 noted
watchMiami County, OH's covered employment is -0.2% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026 Q1.Show the arithmetic
- test: jobs.yoy.emp = -0.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteMiami County, OH's average weekly wage was 2.4% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +2.4 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteMiami County, OH's typical asking rent rose 0.3% from $1,369 in July 2026 to $1,373 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.3% = (1372.859649122807 - 1369.1707713992123) / 1369.1707713992123 × 100
- 1372.859649122807 = Zillow ZORI, 2026-08
- 1369.1707713992123 = Zillow ZORI, 2026-07
noteMiami County, OH's covered employment was 0.2% lower than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- -0.2 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteThe next Zillow ZHVI typical home value (monthly) covering Miami County, OH is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Read all 6 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.